Dr. Hadd

Dr. S. Hadd is a full professor of mathematics in Morocco with a PhD in Mathematics and a deep expertise in financial mathematics. As the author of over 40 high-quality research papers in the mathematical sciences, Dr. Hadd has made significant contributions to the field, focusing on applying advanced mathematical principles to real-world problems, including finance. With a career spanning leading universities across France, the UK, Germany, and American universities in Qatar, Dr. Hadd has supervised numerous PhD students, fostering the next generation of mathematicians and researchers. Passionate about sharing knowledge, Dr. Hadd founded Smart Budgeting Guide to make financial concepts accessible and actionable for everyone, blending mathematical precision with practical budgeting advice. Dr. Hadd specializes in simplifying complex financial ideas, making budgeting tools and strategies approachable for all readers. Through this blog, Dr. Hadd is dedicated to helping readers achieve their financial goals with practical, research-backed advice. When not writing or teaching, Dr. Hadd enjoys exploring new tools for financial planning and mentoring students to reach their academic and financial potential. This blog represents my personal opinions and not the views of my employer.

Exclusive Content

20 Dinners That Cost About $5 Each

Why $5 Dinners Matter in 2025 Grocery prices keep rising....

Snowball vs Avalanche: Which Debt Method Wins?

Debt snowball vs debt avalanche is the most-asked question...

Side Hustles to Pay Off Debt: 7 Weekend Gigs That Pay

Side hustles to pay off debt, inject fresh cash...

Budgeting 101: A Beginner’s Guide to Managing Your Money

Budgeting 101 is the foundation of personal financial success....

Budget Travel Secrets: Explore the World Without Going Broke

For many, travel seems like a luxury reserved for...

Robo-Advisors: The Easiest Way to Start Investing Now

In recent years, robo-advisors have transformed the investment world. These...

More Articles by Hadd

Psychology of Saving: How Mindset Shifts Lead to Savings

Saving money isn’t just about numbers—it’s about mindset. The psychology of saving plays a critical role in how we handle our finances, influencing our...

How to Escape the Debt Cycle: Proven Strategies for Success

Debt traps people in a vicious cycle. Payments reduce little, while new debts replace old ones. To escape the debt cycle, you must do...

Capital Gains Tax Hacks: best Proven Strategies

In this comprehensive guide, we’ll explore everything you need to know about capital gains, including how they work, the applicable tax rules, and strategies...

Basics of emergency funds: Simple Plans for Financial Security

An emergency fund is one of the most important tools for achieving financial security. This is why mastering the basics of emergency funds is essential....

Insurance Essentials: the Best Coverage for Every Need

Introduction: Why the Right Insurance Coverage Matters It is crucial to grasp insurance essentials to shield yourself from unexpected financial risks. These may include accidents,...

Estate Planning Made Simple: Steps and Benefits

Estate planning is a vital step toward protecting your assets, ensuring your loved ones are cared for, and maintaining control over your financial legacy....